The first reason why it may be difficult to save up is that the nature of money doesn't like it being saved up. Money is like raw material, a pure energy that wants to turn into something more valuable. That's why when an unwealthy person tries to save up, a thousand reasons to waste money appear out of the blue. And these reasons are not temptations but rather sensible and important ways of spending money. As if these sensible reasons… feel the smell of money.
That's why as a rule, most people fail to save up.
Ways of struggling with the inability to save up:
It's necessary to find the way to make it impossible to spend money that is meant to be saved up. For example, one may hide them in some inaccessible place so that getting them would be really difficult. It's possible to deposit money in a bank or bury it in the ground... But the main thing about it!!! It's very important to save up as soon as you get your salary or income. As there is no possibility that you will "have some money remained by the end of the month". "The excess of money" doesn't exist in nature.
Money likes being kept secret. Not a living soul should nose out this secret about money. So you should nurture humbleness and modesty in your nature.
Don't save money against a rainy day (or every day will seem to be such) but for particular constructive goals connected with attaining or creating beauty and perfection.
Money likes being invested in processes of creating something: construction, education, art, children, new useful things, interesting business projects – all of the mentioned goals like to be invested into. The more you invest into projects of this kind, the more money you will get. But remember- USE, NOVELTY, PERFECTION. The world doesn't need clowns and garbage as well as anything useless and meaningless.
In order not to pay attention to new reasons to waste money and not to make impulse purchases, you should know for sure what you need money for. Plan how to spend money according to the 3rd item. And if you don't plan spending properly, you'll get a thicket of problems. Your relatives will be constantly ill and in need of money for medication, and everything will get broken and need fixing and you will get ill too... Hence, aimlessly kept money is a magnet for problems. Thus, after earning money it's necessary to plan its spending. Free money will simply burn your hands.
It's possible to save up when you earn money faster than you spend it. When you're fully plunged into your goals or work, you simply don't get time to spend money. You don't get disturbed by friends or relatives who ask for financial help and you don't get theoretically dangerous threats for money like buying apartments or cars...
A human being is a tool for transforming money into something that possesses beauty, perfection or use. The more beautiful and energy consuming (demanding a lot of money) goals a person fulfils, the more money this person gets. Saving up will be possible only after fulfiling some big goal or project and selling it. This way it creates new sum of money that will be possibly used for other bigger projects.
Money possesses mass and its own gravitation. Money is attracted to money. Money dislikes loneliness. That's why it tries to sneak out from those cold in hand and go to those with pocketful of money. The methods described above will help you save up some sum of money. And this sum will have its gravitation and will keep your money around you.
8. Money dislikes being used for making payments towards a loan. Because money likes when you create a particular thing. And loans are about already existing things that are not worth spending time and money on. On the other hand, loans and payments by instalments work well when something is being constructed or created. For example, when you take on a loan to build something or to pay those who build it, or when you start some business. Hence, it takes some progress payment.